Loan Providers in Pakistan – Trusted Institutions & Programs
In Pakistan, several non-profit organizations, government initiatives, and microfinance institutions offer interest-free loan options and welfare-based financial assistance. On this page, you’ll find a list of the most well-known and reliable loan providers in Pakistan, with a special focus on organizations like the Akhuwat Foundation, which continues to play a vital role in promoting poverty alleviation through microfinance.
Our goal is to help you explore loan options from verified institutions so you can make informed financial decisions for your business, education, or personal needs — without falling into interest-based debt traps.
List of Loan providers in Pakistan
1. Akhuwat Foundation – Interest-Free Microfinance
Akhuwat Foundation is Pakistan’s largest provider of interest-free loans, serving millions of beneficiaries across the country through its vast network of branches and partner organizations.
Loan Type: Interest-Free (Qarz-e-Hasna)
Uses: Business setup, housing, education, medical support
Contact: 042-111-448-464
Popular Keywords: akhuwat loan details, akhuwat foundation contact number, interest free loan in Pakistan
Key Programs:
Akhuwat Business Loan
Akhuwat Education Loan
Akhuwat Housing Loan
Akhuwat Health Services
Note: We are not affiliated with Akhuwat. All information is publicly available.
2. Kamyab Jawan Program (Now Part of PM Youth Loan Scheme)
Kamyab Jawan / PM Youth Loan Scheme is a government-backed initiative providing low-markup loans to empower youth with business ideas or startups.
Loan Type: Tiered loan scheme (some interest may apply)
Eligibility: Pakistani citizens aged 21–45
Keywords Targeted: business loan in Pakistan, PM youth loan, kamyab jawan loan scheme
3. Punjab Rozgar Scheme
Run by the Punjab Small Industries Corporation (PSIC), this scheme offers interest-subsidized loans to support startups, SMEs, and individual entrepreneurs in Punjab.
Loan Type: Interest-subsidized
Eligibility: Punjab residents
4. NRSP Microfinance Bank
National Rural Support Programme (NRSP) offers various microfinance loan products for rural development, especially for agriculture, livestock, and small business activities.
Loan Type: Microfinance (some markup)
Helpline: 062-111-011-011
Relevant for: rural business loans, women empowerment loans
5. Kashf Foundation
Kashf Foundation supports low-income women entrepreneurs through small loans for business and education. It’s a key player in gender-inclusive finance in Pakistan.
Loan Type: Microloan (nominal service fee)
Focus: Women empowerment
6. Pakistan Poverty Alleviation Fund (PPAF)
PPAF is a national-level development organization working in partnership with NGOs and microfinance institutions to deliver interest-free loans in remote areas.
Loan Type: Qarz-e-Hasna
Focus Areas: Education, health, rural development
7. Al Khidmat Foundation
Al Khidmat offers social welfare services, including Karz-e-Hasna (free loans) to individuals for business startup, medical treatment, and education purposes.
Loan Type: Interest-Free
8. First Women Bank Limited (FWBL)
Though it’s a commercial bank, FWBL provides special loan schemes for women, offering support in business and education under favorable terms.
Loan Type: Low-markup
Target Audience: Women entrepreneurs
Things to Remember When Choosing a Loan Provider
Before applying:
Always check the official website of the organization.
Avoid sharing personal information with unauthorized agents.
Visit physical branches where possible for verification.
Read eligibility criteria and documentation requirements carefully.
Confirm whether the loan is interest-free or subsidized.
Important Disclaimer
LoanGuidePK.com does not provide loans and is not affiliated with any institution listed above.
All information shared on this page is for educational purposes only and sourced from official websites and public announcements.
